A Complete Guide to Using Superbills for Out-of-Network Counseling Benefits
At Logos Counseling Initiative, we are an out-of-network practice. This means we do not bill insurance companies directly. Instead, clients pay for services at the time of their session.
However, many of our clients are still able to receive reimbursement from their insurance provider by using their out-of-network benefits and submitting a superbill.
If you’re unfamiliar with how this works, this guide will walk you through everything you need to know.
Why We Are Out of Network
We have chosen not to contract directly with insurance companies so that we can:
Prioritize clinical excellence over insurance limitations
Offer session lengths and treatment approaches tailored to your needs
Reduce administrative barriers to care
Maintain greater privacy and autonomy in the counseling process
READ MORE: Self-Pay Counseling Explained: Why We Don’t Accept Insurance
While we do not bill insurance, we are committed to helping you understand how to use your benefits if you have them.
What Is a Superbill?
A superbill is a detailed receipt that we provide to you after payment. It includes all the information your insurance company requires to process an out-of-network reimbursement claim.
You submit this document directly to your insurance provider, and they reimburse you according to your specific plan.
If you need a superbill, simply reach out to us at support@lciwoodstock.com. We can send you monthly superbills through our online Client Portal.
How the Process Works
Here’s what you can expect when working with Logos Counseling Initiative:
You pay for your session at the time of service.
We provide you with a superbill (typically monthly or upon request).
You submit the superbill to your insurance company.
If your plan includes out-of-network benefits, your insurance company sends reimbursement directly to you.
We are happy to answer questions about this process, but we do not communicate directly with insurance companies on your behalf.
What Information Is Included on Your Superbill
Your superbill will include:
Client name and date of birth
Provider name and credentials
License number and NPI number
Practice name and address
Dates of service
CPT code (service code, such as 90834 for a 50-minute session)
ICD-10 diagnosis code (required by insurance)
Session fee paid
Insurance companies require a mental health diagnosis in order to reimburse for services. If you plan to use out-of-network benefits, this diagnosis becomes part of your medical record.
How to Check Your Out-of-Network Benefits
Before beginning counseling, we strongly encourage you to call the number on the back of your insurance card and ask the following questions:
Do I have out-of-network mental health benefits?
What is my out-of-network deductible?
How much of that deductible has been met?
What percentage do you reimburse after the deductible?
What is the “allowed amount” for CPT codes 90834 (50-minute session) or 90847 (couples or family session)?
How do I submit claims?
How long does reimbursement typically take?
Insurance representatives can explain how your specific plan works.
Understanding Deductibles and Reimbursement
Most plans require you to meet an out-of-network deductible before reimbursement begins.
Example:
Session fee: $160
Insurance allowed amount: $120
Reimbursement rate: 60%
Insurance would reimburse 60% of $120 (not $160), which equals $72. Your total out-of-pocket cost would be $78.
Every plan differs, so it is important to verify your specific benefits.
How to Submit Your Superbill
Each insurance company has its own process. Common submission methods include:
Uploading through your insurance portal
Submitting through your insurance mobile app
Mailing a claim form with the superbill attached
Reimbursement typically takes 2–6 weeks and is sent directly to you by check or direct deposit.
Using HSA or FSA Funds
In most cases, counseling services are eligible expenses for HSA or FSA accounts. Many clients choose to use these funds for added flexibility.
Important Considerations
Payment is due at the time of service.
Reimbursement is not guaranteed and depends on your individual insurance plan.
A mental health diagnosis is required if you choose to submit claims and will remain on your medical record.
We are not responsible for claim denials or insurance reimbursement amounts.
We are happy to provide documentation promptly and clearly to support your reimbursement process.
Questions?
Navigating insurance can feel overwhelming, especially when you’re already carrying the weight that brings you to counseling. If you have questions about how superbills work at Logos Counseling Initiative, please don’t hesitate to ask.
Our goal is to make the financial side of counseling as transparent and manageable as possible—so you can focus on what truly matters: healing, growth, and meaningful change.
If you’re interested in seeing one of our providers, reach out to us to schedule a consultation. Support is available whenever you need it. Contact us or book online when it feels right for you.